In this afternoon’s newsletter, a new whitepaper by ACI Worldwide and First Annapolis Consulting takes an in-depth look at why openness in payments is so timely and important, with practical insights into how Payment Services providers can put openness into practice. For more information, check out ACI’s infographic about how openness applies to payments.

Plus, guest writer Dean M. Leavitt looks into the increasing growth and acceptance of electronic payment solutions in B2B payments. And new research from European payments provider Klarna has revealed just how many of us don’t get around to our Christmas shopping until less than a week before the big day.